Last Updated: December 19, 2025
Entities: Business Credit America, Inc., HoustonMcMiller.net, and 3WayFunding.com (“we,” “us,” or “our”)
Address: 269 S Beverly Dr #725, Beverly Hills, CA 90212
1. AGREEMENT TO TERMS
By accessing or using HoustonMcMiller.net (the “Site”), you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with all of these terms, you are expressly prohibited from using the Site and must discontinue use immediately. We provide financial information, business credit guidance, and lead-generation services; however, we are not a lender or a licensed financial broker.
2. INTELLECTUAL PROPERTY RIGHTS
Unless otherwise indicated, the Site and its entire contents (including text, graphics, logos, and “look and feel”) are the property of Business Credit America, Inc. and are protected by United States copyright and trademark laws. You are granted a limited, non-exclusive license to access the Site for personal, non-commercial use. Any reproduction, republication, or distribution of our content without prior written consent is strictly prohibited.
3. ELIGIBILITY AND COPPA COMPLIANCE
The Site is intended for users who are at least 18 years of age. We do not knowingly collect or solicit information from anyone under the age of 13, in compliance with the Children’s Online Privacy Protection Act (COPPA). If you are under 18, you may not register for an account or submit personal information to our lead-generation forms.
4. USER ACCOUNTS & ONLINE PAYMENTS
- Account Security: You are responsible for maintaining the confidentiality of your account password and for all activities that occur under your account. You agree to notify us immediately at houston@businesscreditamerica.com of any unauthorized use.
- Payments: We use PayPal and systeme.io for processing payments for digital products and services. We do not store your full credit card information; all transactions are handled by these secure third-party providers.
5. FINANCIAL LEAD GENERATION & TCPA CONSENT
By submitting a form on this Site to be matched with a lender or business service:
- One-to-One Consent: Pursuant to the 2025 FCC rulings, you provide express written consent to be contacted by the specific partner(s) identified on the submission form.
- Communication: You authorize us and our partners to contact you via autodialed calls, prerecorded messages, and SMS/MMS text messages at the number provided. You may revoke this consent at any time by replying “STOP” to any text or emailing us.
- No Guarantee: We do not guarantee loan approval or specific financial terms. All final decisions are made solely by the third-party lenders.
6. EXTERNAL LINKS & AFFILIATE DISCLOSURE
The Site contains links to third-party websites (“Linked Sites”). We do not monitor or endorse the content of these sites. We may earn a commission if you click on an affiliate link and make a purchase. Your dealings with any third party found through this Site are solely between you and that party.
7. DMCA PROVISIONS
If you believe that any material on the Site infringes upon your copyright, please send a DMCA Notification to: houston@businesscreditamerica.com. We will respond to valid takedown notices in accordance with the Digital Millennium Copyright Act.
8. NO WARRANTIES & LIMITATIONS OF LIABILITY
The Site is provided on an “AS IS” and “AS AVAILABLE” basis. We disclaim all warranties, express or implied, including the implied warranties of merchantability and fitness for a particular purpose.
- Liability: In no event shall Business Credit America, Inc. be liable for any indirect, incidental, or consequential damages arising from your use of the Site.[1] Our total liability to you for any claim shall not exceed the amount paid by you, if any, for products or services purchased directly from us.
9. MANDATORY BINDING ARBITRATION
Any dispute or claim arising out of or relating to these Terms or your use of the Site shall be settled by binding arbitration in Los Angeles County, California, rather than in court. You and Business Credit America, Inc. both agree to waive the right to a jury trial or to participate in a class-action lawsuit.
10. GOVERNING LAW
These Terms are governed by the laws of the State of California and the United States. Any legal action not subject to arbitration shall be brought in the state or federal courts located in Los Angeles, California.
11. SPECIFIC EARNINGS & AFFILIATE DISCLOSURE
- No Guarantee of Earnings: Any income claims or examples of success found on this Site are for informational purposes only. Your success depends on your effort, skills, and market conditions.
- Amazon & Adsense: We participate in the Amazon Associates program and use Google Adsense. We earn from qualifying purchases and ad clicks.
- Forward-Looking Statements: Our materials may contain “forward-looking statements” within the meaning of the Securities Litigation Reform Act of 1995. These are opinions of potential, not guarantees of actual results.
12. CONTACT INFORMATION
For questions regarding these Terms, please contact:
Business Credit America, Inc.
269 S Beverly Dr #725, Beverly Hills, CA 90212
Phone: +1 888 883 3013
Email: houston@businesscreditamerica.com
